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Taste Talk > Blog > Travel Guide > How to decide on a bank card for airport lounge entry
Travel Guide

How to decide on a bank card for airport lounge entry

Editorial Team
Last updated: April 28, 2025 11:10 pm
Editorial Team 18 Min Read
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How to decide on a bank card for airport lounge entry
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Contents
Entry with prime playing cardsIn case you have a lounge in your house airportIn the event you’re loyal to a selected airlineAmerican AirwaysDelta Air StrainsUnited AirwaysIf you’d like issuer-specific lounge entryAmerican SpecificCapital OneChaseIf you’d like extra numerous lounge choicesIf you’d like entry to Precedence Go eating placesIf you wish to convey friends for no further priceIn the event you’re uncertainGo as somebody’s visitorTurn into a Enterprise X licensed consumerGet a card with a set variety of visitsPay for a one-time crossBackside line

When individuals discover out my job is to jot down about journey bank cards, they often ask for knowledgeable recommendation. They wish to know which of our favourite bank cards I like to recommend, which playing cards will complement their current portfolio and whether or not their present on a regular basis card is an effective one.

Additionally they typically wish to know which bank card they need to get if they need airport lounge entry.

Till not too long ago, this query was pretty simple to reply since many playing cards provided related lounge advantages. However currently, it is gotten extra difficult. The issuer lounge area has extra choices than ever, and whereas some playing cards have misplaced perks like visitor privileges and restaurant entry, others have stepped up their lounge recreation with choices like facials and customized cocktails when you wait in your flight.

In the event you’re torn between a number of choices, we have got you. Here is a breakdown of what to think about when selecting a bank card for airport lounge entry.

Entry with prime playing cards

Bank card Annual price Lounge entry Visitor allowance
$695 every (see Amex Platinum charges and costs and Amex Enterprise Platinum charges and costs)
  • World Lounge Assortment (together with the Centurion Community, Precedence Go Choose and Delta Sky Golf equipment*) Entry is proscribed to eligible cardmembers.
    *Eligible Platinum Card Members will obtain 10 Visits per Eligible Platinum Card per 12 months to the Delta Sky Membership or to Seize and Go when touring on a same-day Delta-operated flight
  • Enrollment is required; phrases apply.
  • Centurion Lounge: $50 per visitor (or two complimentary friends while you spend $75,000 in your card in a calendar 12 months)
  • Precedence Go Choose: Two complimentary friends
  • Delta Sky Membership: Two friends or quick relations, $50 per particular person

 

$650 every (see Reserve charges and costs and Reserve Enterprise charges and costs)
  • Delta Sky Membership (aside from these flying primary economic system; Reserve cardmembers will obtain 15 visits per 12 months to the Delta Sky Membership; to earn a limiteless variety of visits annually, the entire eligible purchases on the cardboard should equal $75,000 in a calendar 12 months
  • Centurion Lounge (while you e book your Delta flight along with your card)
  • Phrases apply.
  • As much as two friends at $50 per particular person, per go to
$650 (see charges and costs)
$595
  • Complimentary entry for quick household (partner, home accomplice and/or youngsters below 18) or two friends with a same-day boarding cross for an eligible flight
$550
$695 every
$395 every
  • Capital One Lounges
  • A community of 1,300-plus lounges worldwide, together with Precedence Go and Plaza Premium Group lounges
  • Limitless complimentary entry for you and two friends to 1,300-plus lounges, together with Capital One Lounges and collaborating Precedence Go or Plaza Premium Lounges within the Companion Lounge Community

*The knowledge for the United Membership Enterprise has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.

In case you have a lounge in your house airport

Presumably, your house airport is the place you spend probably the most time. In the event you reside close to an airline hub or have a wonderfully positioned lounge that you really want entry to, let that drive your determination.

As an example, if Los Angeles Worldwide Airport (LAX) is your house airport, you in all probability cross an airline lounge no matter your most well-liked airline since it’s a hub for American Airways, Delta Air Strains and United Airways.

CLINT HENDERSON/THE POINTS GUY

Equally, when you have an issuer lounge in your house airport, it’s possible you’ll wish to select the premium card from that issuer that features lounge entry. Somebody whose residence base is Dulles Worldwide Airport (IAD), for instance, will seemingly need entry to the Capital One Lounge that is conveniently positioned simply previous the airport’s safety traces.

On the flip facet, not all of us have a variety of lounge choices at residence. Till not too long ago, I used to be primarily based in Nashville, and as a lot as I like Nashville Worldwide Airport (BNA), it has restricted lounge choices.

Capital One Enterprise X bank card evaluate: Full particulars

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As such, I primarily based my lounge entry determination on the airports I continuously traveled by means of relatively than my residence base.

In the event you’re loyal to a selected airline

In the event you’re loyal to American, Delta or United, you will seemingly profit from airline-specific lounge entry since you will most continuously fly by means of hubs with a lounge.

American Airways

Frequent American flyers will wish to go together with the Citi / AAdvantage Government World Elite Mastercard because it’s the one bank card with an Admirals Membership membership.

Delta Air Strains

In the event you’re a daily Delta passenger, word that the Delta SkyMiles Reserve American Specific Card consists of 15 complimentary Sky Membership visits per 12 months. You possibly can obtain limitless visits by spending $75,000 on the cardboard every calendar 12 months.

United Airways

United followers will profit most from the United Membership Card or the United Membership Enterprise Card, that are the one playing cards with a United Membership membership as one in all its perks.

ZACH GRIFF/THE POINTS GUY

In fact, should you’re loyal to an airline that does not have its personal airport lounges, you possibly can cross these off the record. As a Southwest Airways loyalist, I knew I did not wish to restrict my lounge entry to a selected airline, so I used to be capable of flip my consideration elsewhere.

If you’d like issuer-specific lounge entry

For fairly some time, American Specific had the issuer lounge market cornered. However as Capital One and Chase proceed to develop their very own lounge networks, it’s possible you’ll determine you wish to select your bank card primarily based on the issuer’s lounge entry it will get you.

American Specific

American Specific presently operates 26 Centurion Lounges worldwide, making them probably the most distinguished issuer lounge. If you’d like entry, you will almost definitely need both the Amex Platinum or the Amex Enterprise Platinum.

ZACH GRIFF/THE POINTS GUY

Delta SkyMiles Reserve and Delta SkyMiles Reserve Enterprise cardmembers can even entry Centurion Lounges when flying Delta, so long as the flight was booked on their card (excluding primary economic system tickets).

Capital One

Whereas not as properly established as Centurion Lounges, Capital One Lounges have grown quickly.

At the moment, they’re positioned in 4 airports:

One other idea known as Capital One Touchdown can also be open at Ronald Reagan Washington Nationwide Airport (DCA).

KYLE OLSEN/THE POINTS GUY

A lounge at John F. Kennedy Worldwide Airport (JFK) and a Touchdown at LaGuardia Airport (LGA) have been introduced however will not be but open. To entry these lounges, you will need both the Enterprise X or the Enterprise X Enterprise.

Chase

Like Capital One, Chase has been asserting its presence within the lounge area with Chase Sapphire Lounges. With their spectacular designs and facilities like complimentary facials, they might be gunning for the No. 1 spot.

ZACH GRIFF/THE POINTS GUY

At the moment, you could find eight Sapphire Lounges all through the U.S.:

To get limitless entry to those lounge ideas, you will want the Chase Sapphire Reserve or the Ritz-Carlton™ Credit score Card. You can even get one complimentary go to to a Sapphire Lounge per calendar 12 months when you have a Precedence Go Choose membership from one other bank card.

The knowledge for the Ritz-Carlton card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.

If you’d like extra numerous lounge choices

If you’d like a wider vary of airport lounge entry choices, go for a card with a complimentary Precedence Go Choose membership. Precedence Go is a community of greater than 1,700 lounges positioned in 600-plus airports in additional than 150 international locations.

One of the simplest ways to get Precedence Go entry is with one of many following playing cards:

**Enrollment required; phrases apply.

PRIORITY PASS/FACEBOOK

Moreover, you may get Precedence Go entry with another playing cards:

The knowledge for the U.S. Financial institution Altitude Join has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.

Associated: Is a Precedence Go lounge membership truly value it?

If you’d like entry to Precedence Go eating places

In the event you continuously cross by means of airports with a Precedence Go-affiliated restaurant, getting a card with entry can prevent huge bucks. This perk will comp a certain quantity of the restaurant invoice for you and as much as one registered visitor.

The quantity varies by restaurant and is often $28 to $30 per particular person; you possibly can search for the precise values for every restaurant on the Precedence Go web site.

BENJI STAWSKI/THE POINTS GUY

Many playing cards with Precedence Go Choose entry have eradicated restaurant entry in recent times, however you possibly can nonetheless get it as part of the Precedence Go Choose membership on choose playing cards. For instance, this perk is obtainable on the united statesVisa Infinite Credit score Card.

The knowledge for the united statesVisa Infinite Credit score Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.

Associated: Higher meals and extra choices: Why I worth Precedence Go’ airport restaurant credit score over lounge entry

If you wish to convey friends for no further price

In the event you continuously journey with a accomplice or household, you will wish to select a card that features visitor entry. Whereas some playing cards just like the Amex Platinum and the Delta SkyMiles Reserve will let you convey friends for a further price, the next playing cards embrace complimentary entry for the first cardholder and as much as two friends:

Associated: A information to visitor insurance policies for airport lounges

In the event you’re uncertain

In the event you’re new to the airport lounge world, committing to a bank card with a hefty annual price can really feel daunting. In the event you aren’t able to make the soar, take into account one in all these choices to dip your toes in first.

Go as somebody’s visitor

As outlined above, a number of bank cards include lounge entry, permitting cardholders to convey friends right into a lounge. In case you have a pal with this entry, attempt to discover a time to go to a lounge as their visitor to see the way you prefer it.

Turn into a Enterprise X licensed consumer

One of the crucial beneficial perks of the Capital One Enterprise X is the flexibility so as to add as much as 4 licensed customers, every with their very own airport lounge entry profit, for no further price. In case you have a pal who has the Enterprise X, ask them so as to add you as a certified consumer.

CAPITAL ONE

Doing so offers you entry to Capital One Lounges and Precedence Go Choose lounges for no further price.

Get a card with a set variety of visits

You will get a restricted variety of lounge visits with out paying a premium annual price. Think about one in all these choices should you’re aiming to maintain your annual price prices down:

  • U.S. Financial institution Altitude Join: With this card, you will get 4 complimentary visits to Precedence Go Choose lounges yearly for no annual price, making it an effective way to check out some lounges with out committing to a excessive annual price.
  • United℠ Explorer Card (see charges and costs): With this card, you will get two one-time United Membership passes per 12 months (redeemable for the cardholder or licensed consumer). There’s a $150 annual price ($0 intro price for the primary 12 months) with the United Explorer.

Associated: Bank cards that provide Precedence Go airport lounge entry

Pay for a one-time cross

You do not essentially must have a membership or entry by means of a bank card to get right into a lounge. Most lounges provide the choice to pay out of pocket per go to. If there is a lounge you cross typically and are contemplating getting a bank card to entry, paying for a go to to see if it is value it to you could be a nice possibility.

Backside line

You’ve gotten some nice choices when selecting a bank card for airport lounge entry. The several types of entry can really feel overwhelming, however deciding which sort of entry issues most to you is essential to touchdown on a card that is the right match.

Irrespective of which you select, you will be properly in your strategy to lounging in fashion in your subsequent layover.

Associated: The perfect premium bank cards: A side-by-side comparability

For charges and costs of the Amex Platinum, click on right here.
For charges and costs of the Amex Enterprise Platinum, click on right here.
For charges and costs of the Delta SkyMiles Reserve, click on right here.
For charges and costs of the Delta SkyMiles Reserve Enterprise, click on right here.
For charges and costs of the Bonvoy Good, click on right here.



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